We may need to get a medical report to help assess the nature and extent of your injury and help value the compensation for your claim. In this case we arrange for you to attend a medical examination with an independent medical expert. The appointment will take approximately 10-15 minutes and you will be asked about your injuries, what effect they have had on you and if you have had any restrictions to your home or work life.
You may have already supplied some of this information in a questionnaire sent to you before your appointment date. In some cases the medical expert will need to review your medical records. This will be dependent on the injury type or if you have a pre-existing medical condition. A medical report is compiled from all the information and we'll send you a copy to check and confirm you are with happy its contents. We will then value the medical report and make you an offer to settle the claim.
This is dependent on the time it takes you to recover. We will look to make you a compensation offer once you have recovered or are close to full recovery.
In most cases NHS treatment will be available to you via your GP, but we do have medical agencies to facilitate treatment such as physiotherapy, and other forms of treatment if recommended by medical experts.
No, it is a courtesy offer, but if you feel it isn't required then just tell us. It will not affect your right to claim.
We at LV= are not medically trained. However, we work closely with medical agencies who can provide a variety of different treatments and advice to assist with your recovery.If you have any concerns with your injury symptoms then you should consult with your GP in the first instance.
Yes, you are required to advise your insurance company of any incidents you have been involved in even if it wasn't your fault.
We will never ask you to sign into any contract with us so you are always free to seek legal advice at any stage. Please be aware, however, that if you do sign a contract with a solicitor then we will no longer be allowed to deal with your claim directly with you.
We offer a professional and personal service, you will be appointed a dedicated case handler and we will look to settle your claim in a timely manner agreeable by both parties.
We will value your claim fairly based on the information we have. We value our reputation and it is important for LV= that we are seen to treat you fairly which is reflected in our company values.
As an insurer we are legally bound to log all personal injury claims with the DWP; they will send us a copy of the letter you've received. We will take care of this directly with them and you generally do not need to do anything. If we do need to discuss anything in the letter we'll contact you.
No, we do not charge you any fees and you will receive all of the compensation you are offered.
You have three years from the accident date in which to bring a claim, this date is known as 'limitation'. The exception to this is minors, any injury suffered by children can be claimed for up to their 21st birthday; three years after they turn 18.